SpareBank 1 - Public Comps and Valuation Multiples

SpareBank 1 Overview

About SpareBank 1

SpareBank 1 Ostlandet is a banking company. The group's segment reporting is divided into the following areas: retail banking, corporate banking, leasing, real estate brokerage, accounting, and consulting services, and other operations. The bank offers services to individuals, the public and private sectors, businesses, and others. Geographically, the majority of the activities of the group are functioned through the region of Norway.

Founded

2017

HQ

Employees

1.4K+

Website

sparebank1.no

Sectors

Commercial Banking

Financials

LTM Revenue $715M

Last FY EBITDA n/a

EV

$7.1B

Valuation Multiples

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SpareBank 1 Financials

As of October 2025, SpareBank 1 reported last 12-month revenue of $715M.

In the same period, SpareBank 1 achieved $327M in LTM net income.

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SpareBank 1 P&L

In the most recent fiscal year, SpareBank 1 reported revenue of $625M.

SpareBank 1 expects next 12-month revenue of XXX and NTM EBITDA of XXX

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	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue	$715M	XXX	$625M	XXX	XXX	XXX
Gross Profit	n/a	XXX	n/a	XXX	XXX	XXX
Gross Margin	n/a	XXX	n/a	XXX	XXX	XXX
EBITDA	n/a	XXX	n/a	XXX	XXX	XXX
EBITDA Margin	n/a	XXX	n/a	XXX	XXX	XXX
EBIT	$425M	XXX	n/a	XXX	XXX	XXX
EBIT Margin	59%	XXX	n/a	XXX	XXX	XXX
Net Profit	$327M	XXX	$327M	XXX	XXX	XXX
Net Margin	46%	XXX	52%	XXX	XXX	XXX
Net Debt	XXX	XXX	$5.1B	XXX	XXX	XXX

Financial data powered by Morningstar, Inc.

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Financial performance metrics for SpareBank 1 including revenue, profitability, and margin analysis across different time periods. The company reported last twelve months revenue of $715M.
Financial Metric	Last Twelve Months (LTM)	Next Twelve Months (NTM)	Most Recent Fiscal Year	Current Fiscal Year (2025)	Next Fiscal Year (2026)	Two Years Forward (2027)
Total Revenue	$715M	Analyst estimates available to subscribers	$625M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit	n/a	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit Margin	n/a	Analyst estimates available to subscribers	NaN% gross profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA (Earnings Before Interest, Taxes, Depreciation, Amortization)	n/a	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA Margin	n/a	Analyst estimates available to subscribers	NaN% EBITDA margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT (Earnings Before Interest and Taxes)	$425M	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT Margin	59.4% EBIT margin	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Income (Net Profit)	$327M	Analyst estimates available to subscribers	$327M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Profit Margin	45.7% net profit margin	Analyst estimates available to subscribers	52.4% net profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Debt Position	Detailed debt information available to subscribers	Detailed debt information available to subscribers	$5.1B	Detailed debt information available to subscribers	Detailed debt information available to subscribers	Detailed debt information available to subscribers

Financial Performance Summary for SpareBank 1

This financial data table provides comprehensive performance metrics for SpareBank 1, a company based in Norway. The metrics include revenue, profitability measures, and operational efficiency indicators across multiple time periods.

Recent Performance Highlights

SpareBank 1 generated $715M in revenue over the last twelve months.
Net income over the last twelve months reached $327M.

Fiscal Year Performance

In the most recent fiscal year, SpareBank 1 reported $625M in total revenue.
The company maintained a gross profit margin of NaN% in the most recent fiscal year.
EBITDA margin for the fiscal year was NaN%.
Net profit margin reached 52.4% in the most recent fiscal year.

This financial data is sourced from Morningstar, Inc. and represents the most recent available information for SpareBank 1. Forward-looking estimates and detailed financial projections are available through our premium subscription service.

SpareBank 1 Stock Performance

SpareBank 1 has current market cap of NOK 23.9B (or $2.4B), and EV of NOK 72.6B (or $7.1B).

Market Cap Evolution

SpareBank 1 Stock Data

As of November 14, 2025, SpareBank 1's stock price is NOK 176 (or $17).

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EV	Market Cap	Price 1D	Price 1M	Price 3M	Price 12M	EPS
$7.1B	$2.4B	XXX	XXX	XXX	XXX	$1.76

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SpareBank 1 Valuation Multiples

SpareBank 1's trades at 11.4x EV/Revenue multiple, and n/a EV/EBITDA.

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SpareBank 1 Financial Valuation Multiples

As of November 14, 2025, SpareBank 1 has market cap of $2.4B and EV of $7.1B.

Equity research analysts estimate SpareBank 1's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX

SpareBank 1 has a P/E ratio of 7.2x.

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Market cap (current)	$2.4B	XXX	$2.4B	XXX	XXX	XXX
EV (current)	$7.1B	XXX	$7.1B	XXX	XXX	XXX
EV/Revenue	10.0x	XXX	11.4x	XXX	XXX	XXX
EV/EBITDA	n/a	XXX	n/a	XXX	XXX	XXX
EV/EBIT	16.8x	XXX	n/a	XXX	XXX	XXX
EV/Gross Profit	n/a	XXX	n/a	XXX	XXX	XXX
P/E	7.2x	XXX	7.2x	XXX	XXX	XXX
EV/FCF	n/a	XXX	10.5x	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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SpareBank 1 Margins & Growth Rates

SpareBank 1's last 12 month revenue growth is -1%

SpareBank 1's revenue per employee in the last FY averaged $0.5M, while opex per employee averaged $0.2M for the same period.

SpareBank 1's rule of 40 is unknown (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).

SpareBank 1's rule of X is unknown (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).

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SpareBank 1 Operational Valuation Multiples

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue Growth	-1%	XXX	6%	XXX	XXX	XXX
EBITDA Margin	n/a	XXX	n/a	XXX	XXX	XXX
EBITDA Growth	n/a	XXX	n/a	XXX	XXX	XXX
Rule of 40	n/a	XXX	n/a	XXX	XXX	XXX
Bessemer Rule of X	XXX	XXX	n/a	XXX	XXX	XXX
Revenue per Employee	XXX	XXX	$0.5M	XXX	XXX	XXX
Opex per Employee	XXX	XXX	$0.2M	XXX	XXX	XXX
S&M Expenses to Revenue	XXX	XXX	2%	XXX	XXX	XXX
G&A Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
R&D Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
Opex to Revenue	XXX	XXX	41%	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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